How to apply for installment payment of credit card bills of China CITIC Bank?
1. Rules for installment payment of credit card bills of CITIC Bank
Application time: the application shall be made within the time interval from the bill date of the current period to three working days of due repayment;
application amount: no more than 9% of the outstanding amount of the consumer transaction that has been billed in RMB, and the minimum amount is RMB 8 yuan;
installment number and handling fee rate:
2. Application method for installment payment of credit card bill of CITIC Bank:
1. Call 24-hour customer service number: 488-95558, press 1- 6- 2 to transfer the bill installment and single installment business, and professionals will handle it for you;
2. Log in to CITIC Bank's credit card online banking to apply;
3. Log in to the main page of the letter space and apply according to the prompts;
4. handle it through citic online banking on WAP.
Can China CITIC Bank repay the loan in installments?
Yes.
CITIC Credit Card can be repaid in installments, and you can directly bring your ID card and bank card to the nearby CITIC Bank outlet to apply.
Four installment payment methods of CITIC Bank's credit card:
1. Shopping mall installment is one of the credit services of CITIC Bank's credit card consumption, that is, CITIC Bank credit card holders can choose to divide the total price of purchased goods or services into several installments (months) on average. Pay back the money on time according to the credit card bill every period (month). When the cardholder chooses to go to the store specially appointed by CITIC Bank to complete the installment payment through the designated POS machine, it is called "shopping mall installment payment" for short.
2. Mall installment of CITIC Bank's credit card payment
The installment business of CITIC Bank's credit card mall refers to the business that the cardholder uses his credit card to purchase the designated goods from the contracted merchants through CITIC Bank, and after the approval of CITIC Bank, informs the merchants to deliver the goods for the cardholder, and divides the amount of the purchased goods into several installments evenly, and the cardholder repays them monthly within the agreed time limit.
3. Bill installment of credit card installment payment of CITIC Bank
Interest-free installment payment of credit card bill of CITIC Bank provides interest-free installment payment service for customers to repay the bill amount of the current period. After paying a certain handling fee, customers can installment 9% of the bill amount of the current period according to the number of installments applied by customers and start to repay it equally in the next billing cycle, without paying the interest due to incomplete repayment.
4. Free installment of credit card payment of CITIC Bank
Free installment of credit card of CITIC Bank provides interest-free installment service for customers to repay single consumption without bill. After paying a certain handling fee, the customer can repay a single consumption amount that has not been billed in the current period in equal installments according to the number of installments applied by the customer, and there is no need to pay the interest that should be paid due to the incomplete repayment.
CHINACITICBANK, formerly known as CITIC Industrial Bank, was founded in 1987, and was renamed at the end of 25. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing.
the major shareholder is China citic co., ltd. BancoBilbaoVizcayaArgentaria (S.ABBVA) spent 51 million euros (about 5.2 billion Hong Kong dollars) to buy 5% of the shares of CITIC Bank, and it can also choose to increase its shareholding in CITIC Bank to 1.7%. On April 27th, 27, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in Chinese mainland, with total assets of over HK$ 1.2 trillion, * * * with more than 16, employees and more than 54 branches. It is one of the six banks and three guarantees for Chinese financial stocks in Hong Kong.
How to apply for credit card installment of CITIC Bank
The application methods are as follows:
1. WeChat application: Pay attention to the credit card WeChat service number of CITIC Bank, and click "Card/installment"-"Bill installment" to apply. (Glory 5MagicUI4.2；; Wechat 8..16)
2. Telephone application: call the credit card customer service of China CITIC Bank, press # 1 in Mandarin to enter the main menu, select to enter or ID number to enter the manual service, and inform the application amount and number of periods. After the system is audited, the customer service specialist will inform the application result
3. Online banking application: log in online banking, enter the credit card page, select "My Account" and click "Current Period". Click to handle bill installment, select the number of installments, and confirm submission. (Glory 5MagicUI4.2；; China citic bank 7.5.3)
4. SMS application: the customer will send the last four digits of the FQ card to 169895558 after receiving the SMS invitation from our bank after billing, and the system will immediately inform the processing result.
what is installment payment?
Payment by Installations refers to paying off debts in several times in one transaction. Installment can be divided into interest-bearing installment and interest-free installment. Interest-bearing installment usually repays the interest first, and then pays off the principal. Usually, the total payment is much higher than the actual transaction price, while interest-free installment does not count interest. Usually, merchants or banks promote the consumption behavior of consumers through interest-free installment payment. For interest-bearing installment payment, you may have to pay a fine if you repay it in advance.
calculation method:
basic calculation: using the knowledge of series, there is an installment formula: x= a (1p) m [(1p) m/n-1]/[(1p) m-1]
where is a principal, p is the monthly interest rate, m months, and n times. x is the amount of each payment. Pay interest of 6×? -7 = ...................
In the installment payment, we should also know the relevant calculation of installment payment.
compound interest compound interest: the current interest is included in the next principal, that is, the sum of the principal and interest of the previous period is used as the interest basis for each period.
Mathematical calculation:
Using the knowledge of series, there is an installment payment formula: x = a (1p) m [(1p) m/n-1]/[(1p) m-1]
where a is the principal, p is the monthly interest rate, m is the number of months, and n times. X is the amount of each payment. General. P=.oo8m=6n=6. Substituted x=1473.55
Pay interest 6×1473.55-7=18413.2
Simple interest: interest is calculated according to the initial principal in each period, and interest in each period is not included in the next principal. The repayment method of simple interest is divided into average capital repayment method and equal principal and interest repayment method.
1. average capital repayment method (hereinafter referred to as matching method): also known as diminishing method, because the principal of the loan repaid by the buyers is the same every month, the interest of the next loan will be reduced due to the reduction of the principal every time, so the principal and interest of the loan repaid in each period will be reduced by each period. This method has the same monthly principal, with the highest repayment amount in the first month, and then decreases month by month.
2. Equal principal and interest repayment method (hereinafter referred to as this method): the total amount of principal and interest per month is fixed, and the loan principal and interest are divided into several equal parts on average according to the loan term, and the total amount of principal and interest repaid per month is the same. This method is convenient for buyers to plan funds;
What are the relevant regulations and application methods of credit card installment payment of CITIC Bank
The installment payment business of credit card of CITIC Bank provides interest-free installment payment service for cardholders to repay the single consumption that has not been billed. After paying a certain handling fee, the cardholder can repay a single consumption amount that has not been billed in the current period in equal installments according to the number of installments applied by the cardholder, and there is no need to pay the interest that should be paid due to the incomplete repayment.
1. Rules of Credit Card Single Installment Payment of CITIC Bank
Application time: The application must be made within the time interval between two days after the credit card transaction (after the transaction is recorded) and three working days of the current bill;
application amount: the amount applied for a single installment is the full amount of the single consumption amount, and the total installment amount cannot exceed the cardholder's permanent quota;
installment number and handling fee rate:
2. Application method for single installment payment of credit card of China CITIC Bank
1. Call the 24-hour customer service number: press 1- press 6- press 2 to transfer bill installment and single installment business, and professionals will handle it for you;
2. Log in to CITIC Bank's credit card online banking to apply;
3. Log in to the main page of the letter space and apply according to the prompts;
4. handle it through citic online banking on WAP.
How to installment CITIC Credit Card
1. Call the customer service number of CITIC Bank Credit Card Center, and after transferring to the manual customer service, select the installment number or amount according to the staff's prompt, and you can handle it;
2. The browser accesses the credit card official website of CITIC Bank, and then clicks "My Account" → My Bill Inquiry → Current Bill Inquiry → Select the card. After clicking on the installment of the bill, set the number of installments you want and submit the application.
3. WeChat pays attention to WeChat official account, the credit card of CITIC Bank. After entering WeChat official account, click "Service Hall", and then select the installment type in the loan installment column, such as bill installment, appointment installment, etc. Then fill in the relevant information according to the jump page, and submit the application after completing the follow-up process.
4. The card host will apply for his valid ID card and card at the bank counter.
credit card bill installment payment is one of the types of credit card installment payment, which means that the credit card holder requests the credit card center to return the consumption amount to the bank in installments after using the credit card to swipe the card.
installment payment of credit card bills is the simplest installment payment method. You only need to call the bank credit card center or log in to personal online banking to apply for installment payment during the period from the credit card consumption to the due repayment date. Generally, as long as you have no bad personal credit record, you can get approval.
the minimum repayment amount is the minimum amount to be repaid in the current month when revolving credit is used, and the minimum repayment amount is listed on the current bill. Calculation method of the minimum repayment amount of each bill: minimum repayment amount =1% for all general transactions in credit card account, 1% for all outstanding installment transactions in the account, 1% for the unpaid part of the minimum repayment amount in the previous period, 1% for all the money used exceeding the credit limit of the account, 1% for expenses and 1% for interest.
Generally, the application for bill installment can be accepted by calling the customer service center of the issuing bank or telephone banking. ICBC cardholders can apply for installment payment at ICBC outlets, ICBC online banking, telephone banking and mobile banking, and China Merchants Bank can apply for it at the bank's online banking. Relevant persons of CCB reminded cardholders that although various banks have introduced bill installment payment, it does not mean that every cardholder can pay by credit card installment.
generally, banks should evaluate the credit status of cardholders according to their credit limit and credit records of card consumption. Only after the assessment is passed can the cardholder make the installment payment smoothly; If the evaluation result is not satisfactory, the bank may reject the cardholder's application for installment payment, or fail to give the cardholder the amount of installment payment he wants. Cardholders can fully consider their own financial situation and apply for installment by telephone.
the minimum consumption of each bank applying for installment is basically between 5 and 1,5 yuan, among which ICBC is 6 yuan, CCB, BOC and CMB are 1 yuan, Bank of Communications is 1,5 yuan (Y-power card is a single 5 yuan) and CITIC is 1,2 yuan, while Agricultural Bank of China and Guangfa Bank stipulate that the amount of a single credit card is 5 yuan or more, so they can apply for installment. Everbright Bank does not require the amount. As long as the cardholder uses the designated card, the bill will be automatically divided into 12 installments.
How to repay the credit card of CITIC Bank in installments
The installment repayment of CITIC Credit Card is a way to directly installment the bill amount before repayment. You can apply through customer service phone, online banking and mobile phone customer service, and a certain handling fee will be charged for credit card installment. The installment repayment amount of credit card = installment amount, installment rate and installment number.
1. On December 8, 23, CITIC Bank Credit Card Center officially issued CITIC credit cards to the outside world. By the end of October 26, the cumulative number of credit cards issued had reached nearly 2 million, ranking first in the domestic banking industry, among which CITIC Platinum Credit Card ranked first in the country, initially establishing its position and brand image in the credit card market in China. The credit card of CITIC Bank has always been aimed at serving the public, and it will serve the public better. Many people who have used credit cards know that credit cards are very convenient, not only in domestic shopping malls and supermarkets, but also in some foreign consumption places. Credit cards have greatly facilitated the general public and made banks gain more profits from them. CITIC Bank provides a number of financial services, and at the same time, it can provide loans to all walks of life. Personal credit loans account for a large proportion of CITIC Bank's loan business. In many cases, personal credit loans can be applied for installment payment. If the current bill amount of cardholders reaches 8 yuan or above, they can apply for interest-free installment payment.
second, as one of the pioneers in the domestic credit card industry, CITIC Credit Card made remarkable achievements in 26, with business indicators such as card issuance, transaction volume and business income all reaching record highs. With the debut of new products such as CITIC Magic Gold Card, "Air China Companion" CITIC Credit Card, CITIC 26FIFA World Cup MasterCard, CITIC I Card, CITIC McCawlin Co-branded Card, CITIC Yansha Mall Co-branded Card, CITIC Xindaxin Co-branded Card, CITIC Netcom Co-branded Card and CITIC Telecom V-branded Card, the installment business of CITIC Shopping Mall and mail order installment business in cooperation with Gome and Suning, two national home appliance chain giants, have been fully launched. The brand image of CITIC Credit Card has been rapidly promoted by the comprehensive upgrade of 1 services of Platinum Card, the exclusive preferential activities of closing stores on "special day" by stages, and the innovation of a series of services such as CITIC Business Travel Service, and it has been well received by all walks of life and customers.
3. In 26, CITIC Credit Card won the "Top Ten Most Trustworthy Bank Cards in China in 26" in the third "World Financial Lab Annual Award" sponsored by World Managers Weekly, World Financial Lab and Wall Street Telecom website; In the "China Credit Card Industry Observation and Evaluation" sponsored by Hexun. com, CITIC Credit Card stood out from 14 evaluation banks, and won the second-best comprehensive score in China's credit card evaluation in 26 with its excellent performance in terms of fees, card services, functions and value-added, and won the "Best User Experience Award in China's Credit Card Evaluation in 26". With its unique product design and personalized service function, CITIC Magic Gold Card was awarded the "Most Valuable Female Credit Card Product Award" by VISA International Organization and the third prize of "25-26 China Outstanding Marketing Award" sponsored by Economic Observer. CITIC Platinum Card was selected as the "Top Brand List of China" in 26; CITIC Bank Credit Card Customer Service Center won the "Best Call Center in China in 26" with thoughtful and meticulous service.